November 10, 2025

Happy Monday, everyone! 🌞

Good morning! A brand-new week is here — fresh coffee, fresh mindset, and maybe even a fresh opportunity or two waiting to be spotted. Mondays can get a bad rap, but they’re really just the reset button for momentum. So, let’s start it off strong. 💪

Here’s a fun thought for today: What if you measured everything in your life in terms of ROI — Return on Investment? Not just money, but time, energy, relationships, and habits. Because the truth is, we’re investing in something all the time… the question is, are we getting a good return?

That’s exactly what today’s post is about — How to Think in Terms of ROI for Everything You Do. 💡 It’s not about squeezing every drop of productivity out of life, but rather making sure what you put in actually moves you closer to what you value most.

So today, whether you’re working, learning, resting, or connecting, remember: it’s all an investment. The key is making sure it’s compounding in the direction you want your life to go.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

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A historic building in Stuart, Iowa — once famously targeted by outlaws Bonnie and Clyde — is being restored and repurposed. The renovation aims to preserve the site’s 1930s-era charm while converting it into a mixed-use community space. Locals say the project gives the landmark a “new lease on life” and honors its colorful past.

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Astronomers are buzzing over Comet 3I/ATLAS, which has baffled scientists with its unusual orbit and unexpected entry into our solar system. Researchers believe it originated from another star system, making it one of the few known interstellar visitors. The discovery could offer fresh insights into how comets travel between planetary systems.

SpaceX successfully launched its latest Starlink mission on Sunday after a last-minute delay earlier in the week. The launch adds dozens of new satellites to the growing global broadband network. Elon Musk’s company continues to accelerate deployment as competition in the low-Earth-orbit internet market heats up.

Flight cancellations are rising sharply as winter weather and labor disputes disrupt airline operations across multiple states. Lawmakers, including Sean Duffy, have warned that ongoing economic and staffing pressures could soon reduce air travel to a “trickle.” Industry experts say the situation highlights persistent vulnerabilities in post-pandemic aviation recovery.

Goldman Sachs executives are pushing back against claims that the recent surge in AI investments is forming a speculative bubble. The bank points to steady institutional backing and real-world adoption as proof of sustainable growth. Its young, affluent clientele is driving record interest in tech-focused portfolios and private wealth programs.

Rising mortgage rates and record home prices have left millions of Americans locked out of the housing market. First-time buyers are struggling the most as competition remains fierce and affordability plunges to decade lows. Economists say relief is unlikely before mid-2026 unless rates stabilize and housing supply increases significantly.

Here’s something that separates wealthy people from everyone else:
They don’t just spend time or money — they invest it.

Everything they do — from buying a coffee to hiring a new employee to choosing a hobby — runs through one invisible filter:

Not just financially, but in energy, opportunity, and time.

You see, most people think “ROI” (Return on Investment) only applies to stocks or real estate.
But if you start thinking in terms of ROI in every area of life, you’ll start making smarter, faster, and far more profitable decisions — in business, investing, and your personal growth.

Let’s break it down.

At its simplest, ROI is a measure of value gained versus resources spent.

But here’s the key: ROI isn’t always about money.

Sometimes the “return” you’re getting is:

Start redefining ROI beyond dollars.
Because the truth is — the best investments often don’t show up in your bank account… at least not immediately.

If you tracked your time like you track your money, your results would skyrocket.

Here’s a question worth asking yourself weekly:

If you’re a business owner doing $20/hour work, you’re blocking $200/hour opportunities.

If you’re an investor scrolling through stock news all day, you’re wasting time you could use researching deals or building new income streams.

A few simple ways to improve your “time ROI”:

Your time has a return. Treat it like capital.

The highest compounding asset you’ll ever own is your skill set.

The more valuable your knowledge, the higher your earning ceiling.

But here’s the mistake most people make:
They treat learning like an expense — not an investment.

Buying a $100 book that teaches you to negotiate a $10,000 raise is a 10,000% ROI.

Paying for a course that helps you land one new client a month? That’s lifetime compounding.

You don’t need to spend thousands on education — you just need to make learning part of your financial plan.

A simple rule:

That’s not consumption — that’s growth capital.

Here’s something you won’t read in most finance books:
Your network has a measurable ROI.

Who you spend time with shapes your opportunities, your ideas, and even your risk tolerance.

Think about it — one strong connection can open a door to:

Start thinking of relationships as a portfolio:

Invest time where there’s mutual growth — and prune connections that drain your energy or keep you small.

Here’s where it gets interesting — not all “spending” is bad.

Some spending increases your earning capacity.
Some spending saves you time.
Some spending rewards discipline, which helps you stay consistent long-term.

That’s productive spending.

The trick is to ask before every purchase:

For example:

The wealthy aren’t stingy — they’re just strategic.
They spend generously on things that compound and ruthlessly cut things that don’t.

Ever notice how great businesses grow faster after they put systems in place?

The same principle applies to your finances.

A system gives you predictability — which creates scalability.

Example systems that produce long-term ROI:

Systems remove decision fatigue — which frees up energy for strategy.

That’s invisible ROI at its best.

This might sound like a tangent, but it’s not — your physical and mental health directly affect your financial output.

Sleep, exercise, and nutrition aren’t just “lifestyle choices.”
They’re performance investments.

If your energy and focus improve by even 10%, your productivity, decision-making, and earning potential go up too.

Wealth is useless if you’re too exhausted or unhealthy to enjoy it.
Health gives you the stamina to stay consistent — and consistency compounds.

Every “yes” costs you something — time, focus, energy, or money.

So, in a way, learning to say no is one of the highest-ROI skills there is.

Each “no” creates space for something higher value.
Each “no” preserves mental bandwidth for your real goals.

You can’t chase every opportunity — so focus only on the ones that offer asymmetric returns:

That’s how investors, entrepreneurs, and top performers maximize return across every part of their lives.

If you want to start thinking like the wealthy, you don’t need millions — you just need to start evaluating return before every choice.

Every hour and dollar has a potential yield — your job is to make sure it’s working for you.

When you do that, your results will start compounding in ways you can actually feel — more freedom, more growth, more control.

That’s not just good investing.
That’s good living.